Two Things You Need Now For a More Secure Retirement
Higher Interest Rates for Higher Balances
Lower Fees* for a Diverse Choice of Investment Funds

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Before investing, you should carefully consider the investment objectives, risks, charges and expenses of the variable annuity contract and the underlying investment funds. This and other information is contained in the contract prospectus and underlying funds prospectuses and summary prospectuses. Please read the prospectuses and summary prospectuses carefully before investing. The prospectuses and summary prospectuses can be obtained by mail or by calling 1-866-939-7655.
Mutual of America's FPA is an individual variable annuity contract and is suitable for long-term investing, particularly for retirement savings. The value of a variable annuity contract will fluctuate depending on the performance of the Separate Account investment funds you choose. Upon redemption, you could receive more or less than the principal amount invested.

*Mutual of America's annual Separate Account fees on FPA Separate Account balances have been reduced from 1.20% to 0.90%. In addition, the underlying funds incur annual expenses (including management fees and other expenses) that range from 0.15% to 1.00%.
Form FPA-2002 or applicable state variation

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